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Whole Life Insurance

What is Whole Life Insurance?

A form of permanent life insurance, whole life insurance features guaranteed premiums, death benefits, and cash value. Whole life insurance policies also give you the potential to receive dividends, which can increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries.1

Have Questions?

Read our answers to commonly asked life insurance questions.

You may want to purchase a whole life insurance policy if you want:

  • Protection for life1
  • Payments that stay the same each year
  • To be able to put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living2

Whole life insurance offers confidence through the guarantees it provides:

Guaranteed level premiums. The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health.

Guaranteed death benefits. Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.

Guaranteed cash value. Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you’ll have access to your cash through loan and withdrawal options.2

Talk with your financial professional about whole life insurance or fill out the form at right to get started with a MetLife representative today.

1 Dividends are not guaranteed. Guarantees apply to whole life’s guaranteed death benefit, cash value and premiums and are subject to product terms, exclusions and limitations and the claims-paying ability and financial strength of the issuing insurance company. Request a specimen policy for additional details.

2 Loans and withdrawals will decrease the cash value and death benefit.

Descriptions of the policy features and options are only partial; for complete details and limitations ask to see a specimen policy.

Like most insurance policies, MetLife’s policies contain charges, limitations, exclusions, termination provisions and terms for keeping them in force. Contact your financial representative for costs and complete details.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this website not intended to (and cannot) be used by anyone to avoid IRS penalties. This website supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.

MetLife, its agents and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisors regarding your particular set of facts and circumstances.

MetLife Promise Whole Life 120 is issued by MetLife Investors USA Insurance Company generally on Policy Form 5E-12-12 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY-A. MetLife Promise Whole Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.

Whole Life insurance is issued by Metropolitan Life Insurance Company on policy form # 8-90 (08), 200 Park Ave., New York, NY 10166.

Life Insurance as an Asset

Learn how a cash value policy can be a key part of your financial strategy.

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